This Privacy Policy explains how PayVizio Technologies Private Limited (“WealthVizio”, “we”, “us”) collects, uses, stores and shares your personal data when you use the WealthVizio website, mobile applications and related services (the “Service”). It also describes your rights under India’s Digital Personal Data Protection Act, 2023(“DPDP Act”), and, where applicable, the EU General Data Protection Regulation.
By using the Service, you confirm that you have read this Policy and consent to the processing of your data as described below. If you do not agree, please do not use the Service.
1. Data we collect
1.1 Data you provide directly
- Account data: name, mobile number, email address, password / OTP, and account preferences.
- Profile data: age, city, employment type, monthly income, monthly expenses, EMIs, current investments, emergency fund, insurance cover, risk profile and primary financial goal — provided by you to personalize calculator prefills and the AI Advisor.
- Calculator inputs: figures you enter into any calculator (SIP, EMI, FD, PPF, tax, retirement, etc.) and saved scenarios.
- AI Advisor conversations: the prompts you send and the assistant replies, stored against your account so you can resume threads.
- Communications: messages you send through the contact form, support email or live chat, and your responses to surveys or feedback prompts.
1.2 Data collected automatically
- Device and log data: device type, operating system, browser, IP address, time zone, referrer URL, and pages visited, used for security, fraud prevention and analytics.
- Usage events: calculator runs, pages viewed, features used and the timing of those events — used to surface “recently used” rails and to improve the product.
- Cookies and similar technologies: see Section 6.
1.3 Data from third parties
- Payment data: PayPal shares limited transaction metadata (order ID, status, amount, payer email) needed to confirm your subscription. We never receive or store full card numbers.
- Market and news data: public market indices and news feeds we display are aggregated from licensed providers; they are not linked to your identity.
2. How we use your data
- To run the Service: authenticate you, run calculators, generate AI Advisor responses, sync data across devices, and remember your preferences.
- To personalize: prefill calculators from your profile, tailor dashboard insights, and select relevant educational content.
- To bill and entitle: process subscription payments via PayPal, send receipts, and grant Premium access.
- To communicate: send transactional emails (OTPs, receipts, account alerts) and, with your consent, product updates or newsletters.
- To secure the platform: detect fraud, abuse, scraping, account takeover and policy violations.
- To improve: analyze aggregated, de-identified usage to debug, prioritize features and evaluate quality, including AI response quality.
- To comply with law: respond to lawful requests from regulators or law-enforcement, enforce our Terms, or defend against claims.
3. Legal grounds (DPDP Act §6 and §7)
- Your consent for processing personal data such as profile fields, calculator inputs and AI conversations.
- Legitimate uses for security, fraud prevention, providing services you requested, employment-related processing (if applicable) and statutory compliance.
- Contractual necessity for delivering paid features and processing payments.
- Legal obligation when required by Indian tax, anti-money-laundering or court-ordered disclosure rules.
4. AI Advisor — how your chats are handled
- Your prompts and the assistant’s replies are stored against your account in our database, so you can resume conversations and keep context.
- Prompts are sent in real time to our third-party LLM provider (currently Anthropic, Inc., based in the United States). We have agreements with the provider that prohibit using your data to train its public foundation models.
- We may use anonymized or aggregated conversation snippets to evaluate AI safety, accuracy and product quality. You can request that your conversations be excluded from such evaluation by writing to info@payvizio.com.
- You can delete an individual conversation or all conversations at any time from the AI Advisor interface; deletion is propagated to backups within 30 days.
5. What we do not do
- We do not sell or rent your personal data to any party.
- We do not share calculator inputs or AI conversations with advertisers, brokers, mutual-fund houses, banks or insurance distributors.
- We do not store payment card details. PayPal is PCI-DSS certified and handles those details directly.
- We do not use your data to make automated decisions that produce legal or similarly significant effects on you.
6. Cookies, analytics and advertising
WealthVizio uses three categories of cookies and similar technologies. You control the non-essential categories from the consent banner shown on first visit, and can change your choice anytime by clearing site data or visiting the consent prompt again.
- Strictly necessary: sign-in tokens, CSRF protection, theme preference, and your subscription entitlement. Always on — the Service does not function without them.
- Analytics (opt-in): Google Analytics 4 with IP anonymization. We use it to measure which pages, calculators and learning tracks are useful so we can invest in the right features. We do not upload your calculator inputs, profile figures or AI conversations to Google.
- Advertising (opt-in, free tier only): Google AdSense displays third-party advertisements alongside our content for users on the free plan. Paid subscribers see no advertisements and no advertising cookies are loaded for them. When enabled, AdSense and its partners may set cookies to limit ad frequency, measure ad performance and serve interest-based ads. You can manage Google's personalized advertising settings at adssettings.google.com.
We implement Google's Consent Mode v2: analytics and advertising signals are denied by default until you grant consent, and updated immediately when you change your choice.
7. Data sharing
We share data only with the following categories of recipients, under written contracts that restrict use to the purposes listed:
- Cloud and hosting providers that operate our application, database and email infrastructure.
- Payment processor: PayPal, for subscription billing and refund handling.
- AI provider: Anthropic, for generating AI Advisor responses.
- Communication tools: transactional email / SMS / OTP gateways.
- Professional advisers: auditors, lawyers and accountants, under confidentiality.
- Regulators and law-enforcement: when compelled by a lawful order or to protect rights, safety or property.
- Successors in interest: in the event of merger, acquisition or restructuring, subject to equivalent protections.
8. International transfers
Some of our processors operate outside India (for example, Anthropic in the United States, PayPal in multiple jurisdictions). When data is transferred internationally, we rely on contractual safeguards and the protections those processors implement, and we transfer the minimum necessary data.
9. Retention
- Account data: retained while your account is active and for up to 3 years after closure, unless a longer period is required by law (e.g., tax records).
- AI conversations and calculator inputs: retained while your account is active. Conversations you delete are removed within 30 days, including from routine backups.
- Payment records: retained for 8 financial years as required under Indian tax and accounting rules.
- Anonymized analytics: retained indefinitely; it cannot be re-identified.
10. Security
- Encryption in transit (TLS 1.2+) and at rest using AES-256 for sensitive fields.
- Role-based access controls and audit logging for production systems.
- Secrets, API keys and signing keys are held in restricted-access vaults; they are not exposed to the browser.
- Least-privilege engineering access and regular security reviews.
- Despite reasonable safeguards, no system is perfectly secure. If you suspect a breach affecting your account, contact us immediately.
11. Your rights (DPDP Act §11–14 and equivalent)
- Right to access: request a copy of the personal data we hold about you.
- Right to correction: ask us to fix inaccurate or incomplete information.
- Right to erasure: ask us to delete your account and personal data, subject to legal retention requirements.
- Right to withdraw consent: withdraw consent for non-essential processing at any time; this may limit certain features.
- Right to grievance redressal: escalate unresolved concerns to our Grievance Officer (see Section 14) and, if still unresolved, to the Data Protection Board of India.
- Right to nominate: nominate a person who can exercise your rights in the event of your death or incapacity.
To exercise any right, write to info@payvizio.com from your registered email or mobile number. We will respond within 30 days.
12. Children
The Service is intended for users 18 years and older. We do not knowingly collect personal data from anyone under 18. If you believe a minor has provided us with data, please contact us so we can delete it.
13. Changes to this Policy
We may update this Policy as our Service evolves or as regulations change. Material changes will be notified by email or in-app at least 14 days before they take effect. The “Last updated” date above shows the latest revision.
14. Grievance Officer / Data Protection Contact
- Name: WealthVizio Grievance Officer
- Email: info@payvizio.com
- Postal address: Bengaluru, Karnataka, India
- Acknowledgement: within 24 hours · Resolution: within 15 days
If you are not satisfied with our response, you may approach the Data Protection Board of India for redressal.
